Kotak Banking and PSU Debt Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 72 (Category Avg - 58.59) | Modified Duration 3.43 Years (Category Avg - 3.12)| Yield to Maturity 6.82% (Category Avg - 6.58%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	18.77%	15.74%
CD	0.00%	5.33%
T-Bills	0.00%	0.04%
CP	0.00%	0.04%
NCD & Bonds	77.73%	73.43%
PTC	0.00%	0.13%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	18.77%	15.78%
Low Risk	77.73%	78.93%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Banking and PSU Fund

Debt holding in Portfolio (as on 31st Aug,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			4052.64	6.99%	3.93 Cr
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	3367.81	5.81%	33.00 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	CARE AAA	CARE	2222.19	3.83%	22.50 k
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	1940.73	3.35%	19.00 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	1841.54	3.18%	20.00 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	1566.13	2.70%	1.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	INDAAA	FITCH	1539.10	2.66%	15.00 k
Bond - State Bank Of India	NCD & Bonds	Public sector bank	AAA	CRISIL	1404.20	2.42%	1.45 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1386.59	2.39%	13.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	1330.56	2.30%	13.00 k
Bond - Govt of India	GOI	Other			1326.85	2.29%	1.30 Cr
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1272.17	2.20%	1.25 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1270.30	2.19%	12.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1265.05	2.18%	12.50 k
Bond - Govt of India	GOI	Other			1216.09	2.10%	1.25 Cr
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1030.74	1.78%	1.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1020.45	1.76%	10.00 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1017.36	1.76%	1.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1016.12	1.75%	1.00 k
Bond - National Bank for Financing Infrastructure and Development	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	986.00	1.70%	10.00 k
Bond - Union Bank Of India	NCD & Bonds	Public sector bank	CARE AA+	CARE	980.64	1.69%	964.00
Bond - Govt of India	GOI	Other			918.84	1.59%	90.00 L
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	822.22	1.42%	8.00 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	803.24	1.39%	8.00 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	772.74	1.33%	7.50 k
Bond - Food Corporation of India Ltd.	NCD & Bonds	Other agricultural products	AAA	CRISIL	770.78	1.33%	739.00
Bond - Govt of India	GOI	Other			771.06	1.33%	74.32 L
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	LAAA	ICRA	766.87	1.32%	7.50 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	764.09	1.32%	10.53 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	763.62	1.32%	7.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	760.47	1.31%	7.50 k
Bond - Govt of India	GOI	Other			731.94	1.26%	78.00 L
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	720.68	1.24%	700.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	624.31	1.08%	605.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	609.61	1.05%	6.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	587.36	1.01%	600.00
Bond - Govt of India	GOI	Other			583.07	1.01%	60.00 L
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	527.13	0.91%	500.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	510.53	0.88%	5.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	508.67	0.88%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	508.40	0.88%	5.00 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	508.39	0.88%	5.00 k
Bond - Food Corporation of India Ltd.	NCD & Bonds	Other agricultural products	AAA	CRISIL	507.69	0.88%	500.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	507.23	0.88%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	506.82	0.87%	5.00 k
Bond - Mahanagar Telephone Nigam Ltd.	NCD & Bonds	Telecom - cellular & fixed line services	BWR AA+	BRICKWORK	483.19	0.83%	500.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	467.61	0.81%	4.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	CARE AAA	CARE	457.49	0.79%	4.50 k
Bond - Govt of India	GOI	Other			394.96	0.68%	38.50 L
Bond - Govt of India	GOI	Other			392.56	0.68%	40.00 L
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	321.19	0.55%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	318.51	0.55%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	318.24	0.55%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	317.98	0.55%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	317.72	0.55%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	317.21	0.55%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	316.95	0.55%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	315.69	0.54%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	315.06	0.54%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	314.33	0.54%	300.00
Bond - Govt of India	GOI	Other			305.46	0.53%	30.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	255.11	0.44%	250.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	INDAAA	FITCH	254.38	0.44%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	254.29	0.44%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	248.96	0.43%	2.50 k
Bond - Govt of India	GOI	Other			99.73	0.17%	10.00 L
Bond - Govt of India	GOI	Other			75.80	0.13%	7.39 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	52.45	0.09%	50.00
Bond - Mahanagar Telephone Nigam Ltd.	NCD & Bonds	Telecom - cellular & fixed line services	CARE AAA	CARE	49.76	0.09%	500.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	26.50	0.05%	25.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	10.26	0.02%	10.00
Bond - Govt of India	GOI	Other			4.33	0.01%	43.90 k

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	3.48%
TREPS	TREPS	0.02%

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hunch
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21 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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shravanashok
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36 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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1 days ago

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  Boost Your Investment with a High-Return Secured NBFC Bond Vivriti Capital Limited – 2026 Bonds now listed on The Fixed Income ✔️ Coupon: 9.00% p.a. ✔️ Rating: CARE A+ Stable ✔️ Tenor: 1 year 1 month (Maturity: Nov 04, 2026) ✔️ Senior Secured | NBFC Bond | High Return | Listed Tap into a secured bond offering attractive returns from a trusted NBFC—perfect for investors seeking stability and growth in a short tenure. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhbmJnPT0=/900-vivriti-capital-limited-2026?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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87 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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87 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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  Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time
  
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h_purandare
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93 days ago

Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut View more

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